PrimeLend’s admins then use some of this money to pay promised ROIs for as long as new affiliates sign up.

Once affiliate recruitment dries up so does PrimeLend’s ROI reserve.

When a predetermined threshold is reached, PrimeLend’s anonymous admins do a runner with what’s left.

Early PrimeLend investors make a bit of money (mostly via recruitment of new investors). But same as any other Ponzi scheme, the reality of such scams is that the majority of participants eventually lose money.